Goodyear Credit Card
Basic Information
Program ID: goodyear-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 15:04
Last Scraped: 01/15/2026 15:06
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | None |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $100.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Statement credit typically posts within 1-2 billing cycles (approximately 30-60 days) after the spending requirement is met.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x Goodyear Purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active.
Transfer Partners: None
Card Benefits
Protection Benefits
Travel Benefits
- No Foreign Transaction Fees
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: The Goodyear Credit Card, issued by Bread Financial, is primarily designed for purchases at Goodyear locations and authorized service centers. **Eligibility Requirements (2026 Prediction):** Applicants must be at least 18 years old, possess a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), have a U.S. mailing address, and meet Bread Financial's creditworthiness criteria, which typically requires good to excellent credit for approval. **Bonus Rules (2026 Prediction):** New cardholders are frequently offered an initial discount on their first qualifying Goodyear purchase (e.g., 10-20% off) or special deferred interest financing promotions (e.g., 0% APR for 6-12 months on purchases exceeding a specified amount). These offers are generally exclusive to Goodyear-branded products and services. **Application Rules:** Applications can be submitted online, in-store, or via mail. Approval is contingent upon a comprehensive review of the applicant's credit history by Bread Financial.
Maximum Cards Per Issuer: 1
Minimum Spend Interval: Promotional period (e.g., 6-12 months for deferred interest offers; immediate for first purchase discounts)
Shutdown Risk Triggers: Missed or late payments, high credit utilization, suspected fraudulent activity, prolonged account inactivity, significant adverse changes in credit profile, or exceeding Bread Financial's internal cumulative credit exposure limits across all issued cards. While less common for store cards, unusual spending patterns could also trigger review.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.0 / 5.0
Top Positive Feedback:
Offers special financing and discounts on tires and auto services at Goodyear locations; relatively easy approval for those with fair credit.
Top Negative Feedback:
High APR; customer service issues with Comenity Bank; limited use as a store-only card; reports of unexpected credit limit reductions.
Approval Experience Score: 65.0 / 100
Recommended Alternatives
- Synchrony Car Care Credit Card
- Discount Tire Credit Card
- Walmart Rewards Card
Card Value Score: 55.0 / 100
Est. Annual Rewards: $60.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 95% Store / 5% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: October 2023